ABN AMRO haichadi kubhanga kune zviuru gumi nezvishanu zvevanhu vanogara kunze kweEurope. Maonero akapararira, akamboratidzwa neVVD muImba yeVamiririri, uyewo chikonzero icho Kifid akanditonga, ndechokuti ABN AMRO haina mvumo yekubhanga kunze kweEurope.
Ndanga ndiri muhurukuro neABN AMRO kwemakore maviri nezvekukanzura account yangu. Zvinoshamisa kuti, mutsamba dzese, ABN AMRO haina kumbobvira yataura kuti haina mvumo. Zvakadaro, mitsara yakaita sekuti: ...kana bhanga risina rezinesi reizvi, rinogona kusapa mabasa ekubhanga. Zvisinei, izvozvo zvakasiyana nekutaura kuti hauna mvumo.
Nguva chete iyo bhangi yakaratidza kuti bhangi harina marezinesi kwaive kunditumira chirevo kubva kuKifid, iyo inotaura kuti bhangi harina marezinesi ekubhanga kunze kweEurope (chikanganiso chikuru neABN AMRO ndinofunga kana zvikazoitika. ane mapermits, anobva aita chitsotsi).
Ndapota cherechedza kuti pano zvakare bhangi haritauri kuti harina zvibvumirano, asi rinoreva Kifid, izvo zvinonyatsojekesa izvi. Zvisinei, pasina kuratidza izvi.
Pane zvakare zviratidzo zvakasimba zvekuti bhangi INO ZVINOGONA mvumo yekubhanga kunze kweEurope, uye kuti bhanga neKifid vari kurangana kuvhara izvi.
Ini ndinogumisa iko mubatanidzwa kubva pakuti Kifid anofuratira zvachose nharo dzangu dzekuti ABN AMRO inoita kunge ine mvumo. Pamusoro pezvo, mibvunzo yangu kuABN AMRO, iyo yakaunzwa kuburikidza neKifid, yakaramba ichidiridzwa pasi panguva yekunyunyuta. Chikumbiro chefaira rangu chakabva chave chikumbiro kuna ABN AMRO kuti vapfuudze mapoinzi akakosha kubva mufaira rangu, apo ABN AMRO aigona kuzvisarudzira izvo zvakakosha. Chikumbiro chetsamba dzenhare hachina kugamuchirwa, asi Kifid haana chaakaita nezvazvo.
Uyezve, kutenga kwakasarudzwa kwakaitwa mufaira pamberi pekutonga.
Kifid aive nechikonzero chakanaka:
ABN AMRO haana rezinesi - ABN AMRO Mees Pierson izita rekutengesa reABN AMRO, saka chete ABN AMRO - ABN AMRO Mees Pierson haana rezinesi rekubhenga kunze kweEurope.
Kifid haana kukurukura kuti ABN AMRO Mees Pierson - asina marezinesi - anogona kupa sei kubhengi kwepasirese (kana uine angangoita miriyoni imwe yemaeuro muakaundi yako).
Kuti ABN AMRO inogona kuramba ichienda kubhengi kune vanoenda kunze kwenyika kwenguva pfupi - kwemakore mashoma - pasina mvumo haina kutaurwa mukutonga. ———————————————————————— ————————————————–
Kopi yezvinyorwa ABN AMRO 3-01-2019.
International Client Retail
Nyika iri kuchinja. Miganhu iri kudzima uye maregulator ari kuseta zvakaomesesa zvinodiwa. Worried about
hutsotsi hwemari, kubira mari nekutsvaga mari yemagandanga zviri kuwedzera. Zviitiko zvakasiyana-siyana
kukumbira kugadziridzwa kwegwaro redu rekugamuchirwa uye kushanda kwenyika yedu
vatengi (International Clients). Kuti tigone kudzikamisa njodzi uye masimba anogona
kuenderera mberi nekushandira vatengi vedu vepasi rese nenzira inovakodzera.
Nechikonzero ichi, vatengi vese vasiri Vagari (Munhu wenyama ane
kero yepamutemo kunze kwenyika.) inoshandirwa nedhipatimendi reInternational Client Retail. Uyewo iyo
maakaundi emutengi kusvika panguva yekugumiswa. Bhanga rakapa mutengi wedzero
mabhengi anofanirwa kuendeswa kune imwe nzvimbo naApril 1, 2019 munguva pfupi yapfuura.
Expats
Bhangi rinogona kuita kusarudzika kune vatengi vanowira pasi petsanangudzo yeExpat.
Mutengi anowira pasi petsanangudzo yeExpat kana iwo anotevera maitiro asangana:
• Chirevo kubva kumushandi, sangano rekuzvipira, zvakanaka zvinogona kubatanidzwa
chinangwa, yunivhesiti, chechi kana rimwe sangano rinoratidza kuti Expat iri kwenguva pfupi
anogara kunze kwenyika achimiririra (wemutemo) munhu anopa chiziviso.
• Munhu wacho haana nzvimbo yekugara kana yekugara mune imwe yenyika dzakatemerwa zvirango
Expats inogara iri yenguva pfupi mune zvakasikwa. Expats inodzokera kuNetherlands kana
vanoiswa zvakare kwechinguva mune imwe nyika mukati kana kunze kweEurope. Expats kazhinji vane
zvakare imba nekero muNetherlands. Zvinowanzo kukosha zvakanyanya kuti Expats ive neDutch
kufunga. Pahwaro hwekuyerwa kwezvido, chisarudzo chinobva chaitwa kuti zvidaro here kana kuti kwete
kuita kusarudzika kune Expat iri mubvunzo.
Bhangi ringaite sei kusarudzika kana risina mvumo yekubhanga kunze kweEurope?
———————————————————————————————————————-
Chikumbiro changu kuna ABN AMRO pakutanga kwekuita kwaiva kundibatsira kuchinja kune rimwe bhangi rechiDutch. Asi ABN AMRO anga asiri mumood yeizvozvo. Ndaifanira kukanzura account yangu ndozvionera ndega. Chinangwa chekuzvikanzura pasina mubvunzo chave chekuti munhu anozvikanzura asakandwa kunze mumugwagwa nebhangi. Nekudaro, haugone kuwana account nyowani yekubhangi kubva kunze kwenyika, unofanirwa kuenda kuNetherlands kutanga.
Tichifunga kuti mhedziso yangu yekuti ABN AMRO ine zvibvumirano ndeyechokwadi, pane 3 yakakosha mhedziso:
- Imba yeVamiriri yakaudzwa zvisiri izvo neVVD nezvekuva nemapemiti.
- 15.000 ABN AMRO vatengi vakadzingwa maererano nenhema.
- Zvinoita sekuti ABN AMRO neKifid vanoshanda pamwe chete uye kuti Kifid haina kuzvimiririra asi inoshanda mukufarira kwebhangi.
Ndinobvuma kuti aya ndiwo maonero andinoita nyaya iyi, uye maonero angu pasina mubvunzo akati siyanei mushure memakore maviri ehurukuro nebhangi.
Yakatumirwa naRuud
Mukuona kwangu, asi handina kumbobvira ndave mutengi weABN-AMRO, yaigara iri THE bhangi revanhu vechiDutch vaida kuita bhizinesi kunze kwenyika......
Hongu, asi vatengi vebhizinesi vanogona kuita mari kubva ipapo. Maakaundi ega ega haanyanyo kunakidza.
https://www.abnamro.nl/nl/privatebanking/over-private-banking/voor-wie/international-private-banking.html
https://www.abnamro.com/nl/carriere/internationaal/index.html
https://www.abnamro.com/en/about-abnamro/products-and-services/international/index.html
https://www.bankenvergelijking.nl/blog/kun-je-een-nederlandse-bankrekening-openen-als-je-in-het-buitenland-woont/
Mune maURL anoratidzwa, iyo yekudzvanya-kuburikidza nemitemo haitaure nezve "wakajairika mutengi wega" chero kupi. Kunyanya bhizinesi vatengi, kusanganisira madhaimondi, etc. Kuwedzera chete "private banking". Ndiyo report yekutanga. Asi ava ndivo vanhu vanowana mari yakawanda nekuti vanovatarisira midziyo yakakura, uko kwavanowana mari yakawanda.
Ingofungidzira kuti bhangi ingori kambani uko mari dzinofanirwa kubhadharwa neavo vanokonzeresa mitengo. Saka vatengi. Maakaundi ekunze ekunze ane mamwe madhibhiti nemakiredhiti haaburitse zvakakwana kuti avhare rimwe basa rinokonzerwa nemutemo uripo. Ingori musimboti wakapfava, hapana kutaura nezvemabasa emagariro kana zvimwewo. Mari inodarika mabhenefiti asina account yekubhangi.
Kusawana zvakakwana pasina mubvunzo kuchave chikonzero chekuti vatengi vanofanirwa kusiya isingasviki miriyoni euros muaccount yavo.
Asi bhanga rinofanirwa kungotaura chete, uye kwete kutumira statement kubva kuKifid inotaura kuti bhanga harina mvumo.
Uye zvino anofanira kugadzirisa mutauriri weVVD mudare reVamiririri paanoti bhanga harina mvumo, nokuti bhanga rinoziva kuti zvose zviri zviviri hazvisi chokwadi.
Chinhu chinonakidza pano ndechechokwadi mubvunzo wekuti ndiani akagutsikana VVD neKifid - kana vachitenda ivo pachavo - kuti bhangi harina mvumo.
Mashoko iwayo anofanira kunge akabva kune imwe nzvimbo.
Kana Kifid achiziva kuti kune mvumo - uye chokwadi chekuti vanoregeredza zvachose nharo dzangu dzekuti bhangi rine mvumo mukutonga kunoratidza izvi zvakasimba - iri kubiridzira mumhan'ari uye Kifid inofanira kuvandudzwa.
Kana Kifid asinganyatso kuzviziva, saka mumwe munhu anofanira kunge akavanyengetedza kuti hakuna zvibvumirano.
Mumiriri ari pachena weiyi ndiABNAMRO.
Izvi zvinoreva kuti ABNAMRO yakaita hutsotsi mumaitiro ekunyunyuta.
Chaizvoizvo, handisi kunzwisisa kuti sei ABNAMRO yakaunza dambudziko iri pairi.
Iwe uri kutaura nezve 15.000 vatengi; akanga angovaendesa seboka ravaifa kuvaendesa kumabhangi ehurumende, uko vaigona kuudza vatsva vakatama kuti vawane rimwe bhangi chero bedzi vakanga vachiri muNetherlands.
Izvi zvave kuvaparira nhamo uye kushambadza kwakashata kwemakore maviri.
Ini ndichaedza kutaura nevezvematongerwo enyika nemapepanhau mushure meizvi.
Uye ini ndinogona kuisa iyo yakazara faira painternet, kunyangwe ini ndisati ndaziva kuti ndingazviita sei.
Kutevera kubva pane ino post.
Apo ABNAMRObank yakandiudza kuti vaida kundibvisa semutengi, mushure memakore 50 ayo 25 akanga ari kunze kweEurope, ndakaona kuti expats inogona kugara uye kuti ndakakumbirwa kubvisa account yangu pachangu.
Ndakanzwisisa izvi zvichireva kuti bhangi harigone kana kusada kuita izvi pacharo. Ini handina kudaro – handiti hapana anozvicherera guva. Ndinogara “ndinofarira” basa rekubhengi. Ini ndinotarisira imwe nzira yehunyengeri yekundibvisa ini nevamwe vazhinji.
Handina kumbodzima account, ndakatumira tsamba ichitaura kuti ndinoda kukanzura account kana mugove wangu mukuchengetedza bhangi ukadzoserwa.
Gr. Jan.
Ndanga ndichigara zvachose muThailand kwenguva yakareba.Akaundi yangu yeinternet yeABN ichiri kushanda zvakanaka.
Imhaka yekuti account yangu ine kero yekumba kwehama yangu kuHolland...
Asi iye haagamuchire chero tsamba kubva kuABN kwandiri nekuti zvese zvinouya kuburikidza neinternet bhiri.
Hazviite sekuti ABN AMRO inotenda kuti ine basa rekufambisa kune mugari ane mari yemutero yakachengeta bhanga iri. Mari yemutero yevaridzi veakaundi yekunze yakashandiswawo kuita izvi. Kuzvininipisa kwakatogadzira nzira yekuzvikudza kwemazuva ose.
ABN Amro haadi vatengi vega kunze kweNetherlands. Kunetsa kwekutonga kwakanyanya. Isarudzo yehungwaru uye haina chekuita nemvumo.
Mukuwedzera, bhangi rinogona kugumisa ukama nemutengi chero nguva.
Chinonyanya kukosha ndechekunyengera neABNAMRO uye kuonekwa kuti Kifid haisi kuzvimiririra, asi inoshanda kune zvido zvebhangi.
Pachezvayo izvi hazvishamisi, hongu, kune sangano rakatangwa uye rakabhadharwa nemabhangi, pasina ruzivo kubva kumasangano evatengi.
Hurumende inofanira kuchinja izvozvo.
Uyezve, bhangi rinogona kudzima account yangu, asi harina kumbobvira ratanga zviri pamutemo Chisungo 35 maitiro.
Tsamba yekutanga inotaura kuti ndinofanira kukanzura account yangu ini, saka haana kukonzeresa Article 35 kudzima account yangu ini.
Kuri kure chete mukutongwa kwakataurwa kuChikamu chemakumi matatu neshanu, kutanga zvisina kunanga uye gare gare chichiwedzera kusimbisa.
Asi mukuona kwangu haisati yatangwa zviri pamutemo (iyi ndiyo nzira yepamutemo, ine tsananguro yekuti sei iyo account iri kubviswa. Chokwadi chekuti ruzivo rwese rwatove muhurongwa hwekunyunyuta hahuna kukosha) kunyangwe iyo kifid. inoti ABNAMRO inogona kukanzura account yangu.
Iyo kifid inofanirwa kunge yakataura kuti ABNAMRO inogona kudzima account yangu, neChinyorwa 35.
Ini ndatova neimwe account, zvekuti pachayo haisi dambudziko.
Ndine urombo inofanira kunge iri kunze kweEurope.
Ndinofunga mubvunzo usiri iwo urikubvunzwa pano. Mubvunzo hausi wekuti ABN Amro ane rezinesi rekubhengi kunze kweEurope here, asi mubvunzo ndewekuti rezinesi rebhangi iro ABN Amro anaro (richiri) rinowedzera kupa masevhisi kune vatengi kunze kwenyika.
Rezinesi rekubhanga rinosanganisira kukwidza mari kubva kuruzhinji. ABN Amro anoita izvi muNetherlands - uye zvichibva pamvumo yekuEurope 'passport', ABN Amro anobvumidzwawo kushandisa mvumo kune dzimwe nyika dzeEU. Sekuziva kwangu, ABN Amro haana rezinesi rekubhanga muThailand uye saka haakwezve mari kubva kune vatengi veThai.
Kukwezva mari muNetherlands, zvakanyanya kuomarara Ziva Mutengi Wako zvinodiwa zvinoshanda kurwisa kubira mari uye mari yemagandanga, yakamiswa mumirau mitsva. Ini ndinofunga ichi ndicho chikonzero chinoshandiswa naABN Amro, kwete zvakanyanya kuti ine rezinesi kana kwete.
Ndinonzwisisa kuti hausi kuzodzosera bhiri rako nekuda kweizvi. Kunyanya mushure mekuita ING, mutongi ari kumanikidza mabhanga kuti aite mepu yevatengi vavo (kopi yepasipoti haichakwane) uye izvi zvinokuvadza vanhu vechiDutch kunze kwenyika.
Kana bhangi - semuenzaniso muThailand - rinogona kupa kubhengi kune vekunze, rinofanirwa kupihwa rezinesi rekupa mabhengi masevhisi muThailand.
Pasina mvumo iyoyo, haikwanise kupa masevhisi iwayo.
Expats inoshandirwawo pahwaro hweABN Amro's Dutch banking rezinesi. Zviripachena diki KYC njodzi ABN Amro pane vamwe vatengi kunze kwenyika. Saka zvinoenderana nenjodzi inofungidzirwa, kwete kuti ABN Amro ane rezinesi rekubhengi here kana kuti kwete.
Boka reABN AMRO rine huvepo hushoma mune dzimwe nyika dzeEurope uye kure kure muAustralia, Brazil neChina. Izvi zvinowanzoenderana nemapurojekiti makuru mashoma munyika idzodzo.
Bhengi raimbove nerezinesi rekubhanga muThailand, asi rezinesi iro rakaendeswa kubhangi reThai
ABNAMRO haina kumbobvira yataura kuti haina rezinesi rekubhanga muThailand.
Muchokwadi, anotaura nezvekugara kunze kwenyika (kusagara muEurope, uye mukati meEurope haudi miriyoni yemaeuro kune account) uye kubhengi kwepasirese.
Sei bhangi risingataure kamwe chete mumakore maviri: "Uri kunyunyuta nezvei, isu hatina mvumo."
Chinhu chavakaita kamwe chete kutumira statement kubva kuna Kifid kuti bhanga harina rezenisi.
Ini ndinobva ndafunga kuti uku kwaive kukanganisa kwebenzi nebhangi, nekuti kutumira chinyorwa chinotsausa zvakare hutsotsi.
Kwa Kifid akawana ruzivo rwayo rwekuti ABNAMRO haina rezinesi hazvizivikanwe.
Zvinoita sezvisingabviri kwandiri kuti ABNAMRO inogona kuendesa rezinesi kune rimwe bhangi.
Ndinogona kufunga kuti bhangi rega rega richafanirwa kubvumidzwa kubhanga pasi rose, asi izvi zvingangosanganisira rezinesi mukati meThailand, nekuti bhangi reThai rinei chekuita nerezinesi kubva kubhangi reDutch kuti ribvumidzwe kubhanga. Tairendi?
Rezinesi kubva kubhangi repakati reThai rinoratidzika kuva pachena kwandiri.
Zvinofanira kuve pachena kuti ABNAMRO anga achindibhangira pasi rose kwemakore maviri ikozvino kubva pakukumbira kwake kuenda.
Angazviita sei pasina mvumo?
The Kifid ikirabhu ine tsvina. Ndakambomhan'ara kuRabobank.
Rakanga riri pamusoro pebasa rebhanga rekuchengetedza vatengi varo
Handina kuzombonzwa chinhu pamusoro pazvo zvakare.
Iyo kifid inozobhadharwa nemabhangi, saka chingwa chine munhu anodya ane muromo anotaura.
Yakazvimirira zvakadaro.
Ben
Basa rokuchengeta rakanga riri rutivi rwechichemo changu, kureva basa rokutarisira panguva iyo bhanga rakandiudza kuti ndaifanira kuenda.
Nekudaro, haugone kuvhura imwe account kubva kuThailand.
Chikumbiro kuna ABNAMRO kuti vandibatsire kuchinjira kune rimwe bhangi hachina kupindurwa.
Kifid akaramba kunyunyuta nekutaura kune rimwe zuva, pandakanga ndatoenda kuNetherlands uye ndaigona kuvhura account nyowani.
Nekudaro, izvo handizvo izvo zvichemo zvaive pamusoro, zvaive zvekukanzura account yangu panguva yandakanga ndisina imwe account.
Chirevo chinopa mufananidzo wakajeka wemaitiro: ABNAMRO inoenda kumberi uye Kifid inopinda mukati.
Izvi pamwe hazvizove zvakasiyana mune mamwe maitiro.
Chokwadi chakaoma ndechekuti ABN Amro yaramba kuhofisi yebhangi rechipiri repurovhinzi ine vashandi vasingakwanisi. Kuvimbika kune vanhu vanga vari vatengi vebhangi kwemakumi emakore hazvizivikanwe. Nharo yekusava nemvumo haina musoro, ivo vanongoda kubvisa vatengi vega, zvichinzi nekuda kwemutoro wekuwedzera wekutonga.
ABN/AMRO anonyepa uye anobiridzira zviri nyore. Iwe unoda here mvumo yekushandisa internet banking kubva kuThailand? Hurukuro yepamusoro-soro neBhangi reThailand inoratidza kuti hapana rezinesi rinodiwa pakubhengi kweinternet kubva kuThailand. Asi KIFID ine hanya nezvechokwadi here?